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AmBank Islamic Visa Infinite Card-i-01

AmBank Islamic Visa Infinite /Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 5%

CIMB Visa Platinum

AmBank Islamic Visa Platinum CARz Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 5%

AmBank Islamic Visa Platinum Card-i-01

AmBank Islamic Visa Platinum Card-i

15% p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback -

AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i-01

AmBank SIGNATURE Priority Banking Visa Infinite

15% p.a.

Interest Rate

Free

Annual Fee

RM 188

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback RM 188

BSN Visa

BSN Classic Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 13.50%p.a.
Annual Fee Free
Cashback -

Bank Islam Visa Infinite Credit Card-i 01

Bank Islam Visa Infinite Business Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 13.50%p.a.
Annual Fee Free
Cashback -

Bank Islam Visa Infinite Credit Card-i 65

Bank Islam World MasterCard-i

13.50%p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 13.50%p.a.
Annual Fee Free
Cashback -

Bank Rakyat Orange MasterCard

Bank Rakyat Classic Credit Card-i / Gold Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 13.50%p.a.
Annual Fee Free
Cashback -

Bank Rakyat MasterCard

Bank Rakyat Muslimah Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 13.50%p.a.
Annual Fee Free
Cashback -

Bank Rakyat Platinum

Bank Rakyat Platinum Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 13.50%p.a.
Annual Fee Free
Cashback -

Citi Simplicity

HSBC Amanah MPower Platinum Credit Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 8%

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 8%

HSBC Visa Platinum

HSBC Amanah Premier World MasterCard-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 1%

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 1%

Maybank Islamic Ikhwan American Express Platinum Card-i-01

Maybank Islamic Ikhwan American Express Platinum Card-i

15% p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback -

Maybank Islamic Ikhwan Visa Infinite-01

Maybank Islamic Ikhwan Visa Infinite

15% p.a.

Interest Rate

RM 800

Annual Fee

-

Cashback
Interest Rate 15% p.a.
Annual Fee RM 800
Cashback -

Maybank Islamic MasterCard Ikhwan Gold Card-01

Maybank Islamic MasterCard Ikhwan Gold Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 50/mth

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 5%, RM 50/mth

Maybank Islamic MasterCard Ikhwan Platinum Card-01

Maybank Islamic MasterCard Ikhwan Platinum Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 50/mth

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 5%, RM 50/mth

Maybank Islamic PETRONAS Gold-i-01

Maybank Islamic PETRONAS Gold-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 8%

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 8%

Maybank Islamic World MasterCard Ikhwan Card-i-01

Maybank Islamic World MasterCard Ikhwan Card-i

15% p.a.

Interest Rate

Free

Annual Fee

-

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback -

Public Islamic Credit Card

Public Islamic Bank Gold MasterCard Credit Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 2%

Cashback
Interest Rate 15% p.a.
Annual Fee Free
Cashback Up to 2%

BSN Visa Cashback Credit Card 48

Public Islamic Bank Visa Platinum Credit Card-i

15% p.a.

Interest Rate

RM 333

Annual Fee

Up to 4%

Cashback
Interest Rate 15% p.a.
Annual Fee RM 333
Cashback Up to 4%

RHB Rewards Credit Card-01

RHB Rewards Motion Code Credit Card / -i

15% p.a.

Interest Rate

RM 550

Annual Fee

-

Cashback
Interest Rate 15% p.a.
Annual Fee RM 550
Cashback -
{"id":6014,"date":"2022-08-30T17:19:38","date_gmt":"2022-08-30T09:19:38","guid":{"rendered":"http:\/\/loanpanda.com.my\/staging-test\/?page_id=6014"},"modified":"2023-05-25T11:40:20","modified_gmt":"2023-05-25T03:40:20","slug":"islamic","status":"publish","type":"page","link":"https:\/\/loanpanda.com.my\/test\/credit-cards\/islamic\/","title":{"rendered":"Islamic Card"},"content":{"rendered":"

[vc_row css=”.vc_custom_1659507005626{background: #fef6f5 url(https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/08\/Frame-4318.png?id=4983) !important;}” el_id=”product-category-subheader”][vc_column][vc_column_text css=”.vc_custom_1662000378136{margin-top: 57px !important;margin-bottom: 57px !important;}”]<\/p>\n

Islamic Cards<\/h1>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1658978621274{margin-top: 58px !important;margin-bottom: 66px !important;}”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1675333466957{margin-top: 30px !important;margin-bottom: 30px !important;background-color: #ffffff !important;}”][vc_column css=”.vc_custom_1675333478533{background-color: #ffffff !important;}”][vc_tta_tabs color=”white” active_section=”1″][vc_tta_section title=”Guides” tab_id=”1675326945182-04c5ea33-9c3163d7-213b”][vc_column_text]<\/p>\n

Guides<\/h2>\n

[\/vc_column_text][vc_column_text]<\/p>\n

\n

Best Islamic Credit Cards In Malaysia<\/h1>\n

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An Islamic credit card is a Shariah-compliant line of credit available to Malaysians of all religious backgrounds. The card charges a profit rate rather than an interest rate. Other terms and conditions associated with these Shariah-compliant cards include that they are subject to annual fees under Urjah and that cardholders exclusively use them on halal purchases.<\/p>\n

However, an Islamic credit card has multiple benefits and privileges or rewards for you, including reward points, cashback, and Takaful coverage<\/a>. Moreover, some Islamic credit cards charge no annual fee. So which is the best Islamic credit card? Explore the Visa, Mastercard, and Platinum credit card-i options below.<\/p>\n<\/div>\n

[\/vc_column_text]

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\n \n <\/span>1. Bank Islam Visa Infinite Card-i <\/a>\n <\/h5>\n <\/div>\n
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The Bank Islam Visa Credit Card-i<\/a> is among the Islamic credit cards in Malaysia with the best rewards when you spend on various categories. Such categories include groceries, dining, entertainment, petrol, travel, shopping, and utilities.\u00a0<\/p>\n\n

For starters, you get 5% cash back on this card if you use an Islamic card from the bank to pay for petrol, and the cashback is not attached to a minimum spend amount. Second, you earn 5X AM bonus reward points on the card for every overseas spending using this card.\u00a0<\/p>\n\n

Additionally, you earn 2X AM bonus reward points on your card in the other categories. Also, this card comes with exclusive dining privileges in a partner restaurant of your choice, including exclusive Plaza Premium lounge access. Other rewards associated with this credit card include amazing daily deals on essentials as part of the Amazing 30 campaign and Takaful insurance on travel.<\/p>\n\n

The Islamic credit card-i is annual fee-free, although it features a 15% profit rate. You can only apply for this credit card if you are at least 21 years for the principal holder and 18 years for the complimentary card holder. Second, you must have a minimum annual income of RM120000. Other terms and conditions include an easy payment plan with up to 36 months in installments.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

\n
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\n \n <\/span>2. BSN Classic Card-i <\/a>\n <\/h5>\n <\/div>\n
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The BSN Classic Card-i<\/a> is the best Islamic credit card Malaysia offers in terms of low-profit rates. It features a 13.5% per annum profit rate, and the bank waives annual fees for a minimum of 12 swipes within a year.\u00a0<\/p>\n\n

Additionally, BSN bank offers a complimentary Zing plusmiles card to your BSN Classic credit card-i for spending on Touch-and-go meters. Moreover, this credit card automatically reloads RM100 to your Zing plusmiles card should the latter's balance fall below RM 50. It also includes Takaful coverage of up to RM300000 if you use it for travel.<\/p>\n\n

Although the card does not charge annual fees when you make a minimum of 12 swipes in a year, there will be a late payment charge of RM10 or 1% of the outstanding balance up to 50RM. Nonetheless, the credit card has a flexible payment plan for all cardholders, accommodates balance transfers for up to 48 months, and will not charge a one-time handling fee.<\/p>\n\n

You can apply for this card if your minimum annual income is to the tune of RM120000 per annum or M20000 per month. However, while this card earns you up to 2X reward points when you spend on any specified category, it does include cashback in any category.<\/p> <\/div>\n <\/div>\n <\/div>\n

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\n \n <\/span>3. RHB Rewards Motion Code Credit Card-i <\/a>\n <\/h5>\n <\/div>\n
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RHB Bank\u2019s visa rewards credit card is among the Islamic credit cards in Malaysia, charging no annual fee. Besides being free of fees, it is the best credit card for retail as you can earn up to 10X reward points when you spend on retail purchases, and there is no cap on the reward points you can earn. However, the reward points expire in three years.<\/p>\n\n

The retail categories eligible for reward points include groceries, petrol, entertainment, shopping, dining, travel, utilities, and health and insurance. However, this card does not include cash back on any eligible retail category.\u00a0<\/p>\n\n

Other benefits and privileges include visa e-commerce purchase protection for purchases damaged on delivery. The card\u2019s terms and conditions include a balance transfer interest rate of 4.99% for up to 36 months and charge no one-one handling fee. They also include an easy payment plan for up to 24 months under the RHB smart installment plan.<\/p>\n\n

Being an Islamic card, RHB bank charges a 15% profit rate on this card. Eligibility for this Islamic credit card is a 21-year age limit for the principal cardholder and 18 years for the supplementary cardholder.\u00a0<\/p> <\/div>\n <\/div>\n <\/div>\n

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\n \n <\/span>4. Maybank Islamic Ikhwan American Express\u00a0Platinum Card-i <\/a>\n <\/h5>\n <\/div>\n
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The Maybank Islamic IkwanAmerican Express Platinum credit card-i<\/a> offers reward points on unique categories, including when you spend on insurance providers, utilities, and education institutions. You can earn 1X reward points for every RM1 spent in the above institutions, although this card has no cashback.<\/p>\n\n

Second, the Maybank Islamic platinum credit card includes a balance transfer payable for up to three years. The card also includes an easy payment plan under the Maybankard Ezypay plus card.\u00a0<\/p>\n\n

Eligibility for this platinum credit card is an annual income of RM60000. The card charges a 15% per annum profit rate but is free of any annual fee.<\/p> <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n \n Choose One Now<\/a>\n \n [\/vc_tta_section][vc_tta_section title=”FAQ’s” tab_id=”1675326945334-11eef09e-af2163d7-213b”][vc_column_text]<\/p>\n

FAQ<\/h2>\n

[\/vc_column_text][vc_row_inner css=”.vc_custom_1675331836289{margin-bottom: 30px !important;padding-top: 46px !important;padding-right: 70px !important;padding-bottom: 46px !important;padding-left: 70px !important;background-color: #fef6f5 !important;border-radius: 25px !important;}”][vc_column_inner width=”4\/12″][vc_column_text]\"\"[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”8\/12″][vc_column_text css=”.vc_custom_1660704463008{margin-bottom: 16px !important;}”]A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.[\/vc_column_text][vc_column_text css=”.vc_custom_1673589066597{margin-bottom: 16px !important;}”]Today, consumers often use credit cards as payment for their purchases since they are convenient and often come with benefits and incentives that can result in additional discounts for cardholders.<\/span> With a wide variety of these cards with various advantages, you might ask how to pick the ideal one for your financial needs.<\/span> We have collected the following FAQ to enable you to understand the most relevant questions regards credit cards, including user conditions,<\/span> interest rates,<\/span><\/a> and primary payment terms.<\/span>[\/vc_column_text][vc_column_text]Here\u2019s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]

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\n \n <\/span>What are credit cards? <\/a>\n <\/h5>\n <\/div>\n
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Credit cards are financial tools that allow you to complete retail purchases without using cash. Malaysian lending institutions offer conventional and Islamic credit cards. Islamic credit cards charge a profit rather than an interest rate. You can borrow credit up to the tune of twice your monthly salary on credit cards and withdraw a specified cash advance of the total debt amount when you apply for a credit card.<\/p>\n\n\"\"\n\n

However, credit cards have specific terms and conditions alongside their privileges and rewards like cashback and reward points for spending. Some credit cards charge an annual fee, while others have no annual feel attached.\u00a0<\/p>\n\n

Banks utilize a tier system based on annual income to decide whether you qualify for a specific credit card. The lowest tier is the gold credit card, followed by the platinum credit card and an infinite credit card for Malaysian with the highest annual income.<\/p> <\/div>\n <\/div>\n <\/div>\n

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\n \n <\/span>Is a credit card necessary for me? <\/a>\n <\/h5>\n <\/div>\n
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Credit cards are an invaluable financial tool if used wisely. Below is an overview of the benefits of a credit card in personal finance.<\/p>\n